The Texas Bay Credit Union is a auto loan from Texas Bay Credit Union. Application typically pulls a hard report from TransUnion. The ongoing APR is 0-36 months As low as 4.24%; 37-48 months 4.24%; 49-60 months 4.24%; 61-72 months 4.39%; 73-84 months 5.54% (APR; rates effective October 1, 2026; with approved credit).